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First Steps to Solvency

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  • Alt you mentioned your son setting a seed.
    Start small and see how things grow.
    In a few weeks get a packet of Sunflower seeds, a small bag of compost and some small plant pots. (Wilko is your friend )
    All 3 of you set a couple of seeds at the same time ( start them off on the kitchen windowsill ) and when you have planted them out in the garden you have a competition to see who's grows tallest.
    Take photos every week and it could end up as a school project for your son.
    If you go down to the woods today you better not go alone.
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
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    alt80 said:
    Good old Nottingham City Council - 2nd worst corona vaccine numbers in country. FML. Doesn’t surprise me though, they are !!!!!! useless. 
    The population have to take some responsibility too. 

    You sound more chilled which is great. Sorry you not feeling well. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
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    Alt you mentioned your son setting a seed.
    Start small and see how things grow.
    In a few weeks get a packet of Sunflower seeds, a small bag of compost and some small plant pots. (Wilko is your friend )
    All 3 of you set a couple of seeds at the same time ( start them off on the kitchen windowsill ) and when you have planted them out in the garden you have a competition to see who's grows tallest.
    Take photos every week and it could end up as a school project for your son.
    That is a great idea. Used to love growing sunflowers. Do you know I might grow some myself this year.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
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    alt80 said:

    Read wrong day for happier January it was try something new to get out of your comfort zone. Only saw tonight after having a nap haha tbh I feel !!!!!! generally. Not touched the stuff but I’m not very well another reason to stay away from it tbh always feeling ill mentally or physically in some way. Trying to keep as upbeat as possible tbh working on the cbt stuff the counsellor gave me, the addiction workbook, chill app, the whole lot. Need everything in my kit to get through this ha. The something new was doing a few pages of the addiction book. Also helping my son to plant a seed in a pot as he’s quite interested in nature and something he wanted to do, I’m def not a gardener haha.


    Wild Friday night in continued with watching a film with the wife in bed and a chamomile tea. Not worked for me still awake but am at least a bit tired.


    Need to get back to monitoring figures, not gonna lie had a few days off hence no updates on debts.

    Wild Friday night this end as well. Few beers, a pizza and in bed for 10.30pm. 🤣🤣🤣
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
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    Your not feeling well could just be your body wondering where all the stimulants are. It will have got used to you taking them.

    The not feeling well will wear off given a bit of time.

    You do sound generally more relaxed and more level headed these last couple of days. Maybe lay off the figures this weekend and just try to have some relaxed family time instead. 
  • alt80
    alt80 Posts: 4,641 Forumite
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    edited 23 January 2021 at 2:03PM

    Worse day today. OK when I’m working but stopped for lunch - needed a break and right back to really struggling with guilt. Tbh feeling like !!!!!! triggers the cravings. Haven’t touched the stuff been on the chill app / employing the the whole one day/ hour/ minute at a time thing ha. Realised I turn to it often just to get rid of the self loathing when all it leads to is more. Same thing with the spending when it’s out of control and negative thoughts about where I am in business. Really do wonder if the right thing to do would be to let my family go often think that but selfish stuff stops me probably would go into full self destruct and I don’t want that constant !!!!!! guilt for the past affecting my productivity too. !!!!!! vicious cycle tbh. Constantly thinking it’ll all change for me when I’m ‘successful in business’ can’t even tell you what that point is for me even, work on the growth yes but no ultimate goal / point where I think yep got ‘successful in business’ ticked off haha - never going to be ok working to a ‘goal’ with no actual measurable  target lol. 


    @Grumpelstiltskin he’d love that mate thanks! Going to give it a go- when do they need to be planted I assume it’s probably about a months time?



    @enthusiasticsaver not sure how the population itself is responsible for a vaccine rollout? 


    @RelievedSheff yeah think you’re right re general health stuff 100 don’t recover as quickly from it at my age feel !!!!!! ancient at times ha. Wife is like you asleep early don’t know how you do it lol.


    Working today dreading tomorrow ha. Wish I never needed a break from the work- wouldn’t !!!!!! up as much can tell you that but can’t go at the work 24/7 either haha.


    @warby68 yeah professionals are helping always were I just wasn’t engaging. Never been good at doing as I’m told ha remember when I was at school started being a general little !!!!!! carried on until my parents told me I could forget splitting any profits from the car nights I organised if I kept getting into to trouble and not taking my education seriously. Didn’t believe them, had a massive night middle of summer load of cars, big takings, !!!!!! buzzing. Sorted the numbers out and parents took the !!!!!! lot haha. Never messed about at school again can tell you that lol.


    Son would love that tbf. Struggle with the patience a lot of the time no surprises there. Ha I’ve done popcorn he goes mad for it lol.


    Really trying with the breaking stuff down trying to catch myself in the bad moments pull myself out of it. Really hard work tbh keep failing with it. Well aware I don’t sort this stuff now not going to be good for my son. Not good for wife but I never have been good for her tbt. 

  • Alt Middle of March is the earliest to set the seeds.
    Make sure you have the tall sunflowers, it usually shows final height on the back of the packet.
    Packet may say plant straight in ground but starting them indoors is better Oh and get a tub of slug pellets as slugs love them when they are first planted out.
    If you go down to the woods today you better not go alone.
  • getmore4less
    getmore4less Posts: 46,882 Forumite
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    Constantly thinking it’ll all change for me when I’m ‘successful in business’ can’t even tell you what that point is for me even, work on the growth yes but no ultimate goal / point where I think yep got ‘successful in business’ ticked off haha - never going to be ok working to a ‘goal’ with no actual measurable  target lol. 

    Set some  if that's what you need.  

    I don't know what is sensible but if coasting for 5 years how about 

    Main business 15% YOY, can break that down to your sub sectors and set them targets,  throw in say 4 projects 1 a quarter but only if they can return say 20%+ .to act as a fall back to hit or break target You have your first one the hall keep looking but get the right one for Q2.

    The block is your seed money for the projects  and can go towards the target for the management and feed into units.

    BTL business 20%(rounded to units) growth of  total and 5% reduction in gearing to increase equity.

    if the block hits that unit target make it bigger

    Adjust if needed, try to make them achievable because you need your people to believe they can do them


  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
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    alt80 said:




    @enthusiasticsaver not sure how the population itself is responsible for a vaccine rollout? 



    Apologies I thought you were talking about  the R rate which is different across the country due to population behaviour and because the lockdown is less strict this time. The impacts of vaccination will not be seen for many months and the slow  rate across the country is due to supply rather than infrastructure.   It is the NHS who is responsible for the vaccine rollout  not the City Councils. 

    Sorry you are having a rough day. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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